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Home insurance prices depend on where you live and the individual insurance company's policies. Some insurers charge a flat fee for fireplaces or wood-burning stoves, which is often a few hundred dollars per year. Other insurers base this fee on a percentage of your annual premium. You may want to check your current or prospective policy before beginning this project.

Although no heating appliance can be entirely risk-free, a fireplace insert is considered a safer alternative to a traditional open fireplace, thanks to their enclosed design. With a sealed combustion chamber, a fireplace insert effectively reduces the risk of sparks and embers escaping into the room, minimizing the chance of an accidental fire.

Additionally, an insert comes equipped with various safety features, such as tempered glass doors that create a barrier between the flames and the surrounding space. This enhances both safety and energy efficiency by preventing heat loss. As an added bonus, many inserts are designed to meet strict safety standards that ensure proper ventilation and combustion.

For many people, the primary disadvantage of a gas fireplace insert is that it doesn’t look or smell like a classic wood-burning fire. Additionally, the labor costs of installing a gas insert are higher than some other types of fireplace inserts, including electric and pellet inserts. There are also limitations on where you can install ventless gas fireplaces because they’re banned in certain places (including California).

The short answer is yes, but the longer answer is more complex. Unless the fireplace is ventless by design, you’ll need some type of exhaust pipe system to safely send fumes and other harmful byproducts out of the house. Even then, ventless fireplaces are not always permitted because they do keep the byproducts inside of your house. Ventless fireplaces are safest when installed in spaces that are themselves well-ventilated, like large rooms with lots of windows.